Independent Lending is a trading style of Vitty Alexander Financial Services Limited, which is authorised and regulated by the Financial Conduct Authority for pure protection, residential mortgages and general insurance business. We do not charge a fee for residential mortgage advice, however there is an administration fee for processing each of your standard residential mortgage contracts. The typical administration fee is £499, of which £199 is payable on application and the balance on completion. For Buy to Let Mortgages a fee of 0.5% of the mortgage loan size applies, of which £250 is payable on application, with the balance payable on completion.